Today, senior sister gives you an evaluation!
Before we begin, this guide is recommended for your collection:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
First, what kind of old-age security?
Life and death endowment insurance is referred to as two insurances. It can also be understood as life and death insurance or savings insurance.
If you choose the death insurance within the agreed time limit, you can still receive the survival insurance money if there is no death claim within the agreed time limit and the insured does not die after the expiration.
We often encounter two kinds of insurance: two kinds of insurance+personal insurance (critical illness/life insurance/accident insurance/cancer insurance)
Among them, the most important advantage of endowment assurance is to return the expired survival fund (100%- 150% premium). Among them, life insurance plays the main guarantee function.
"About the two insurance, the salesman won't tell you! 》
2. How about Evergrande's 10th Anniversary Total Insurance?
As before, look at the picture first:
Evergrande's two-year insurance has the responsibility of death in terms of protection. The main insurance includes high disability liability, and the product liability is quite simple. Before the death lever, it was a certain proportion of premium payment lever, and later it was the same as the cash value of the policy.
Let's talk about its characteristics:
1, the Millennium high security of Evergrande Life Insurance.
To put it bluntly, old-age security is an ordinary life insurance. Since it is life insurance, we should pay attention to protection.
1) overdue premium
If it survives at the expiration of the insurance period of this contract, the due insurance premium shall be paid according to the annual insurance amount at the expiration of the insurance period of this insurance contract, and this contract shall be invalid.
2) Death protection
If the insured is under the age of 18 and dies before 0: 00 of the first policy anniversary after reaching the age of 18. Choose the larger of the following two values to pay the death insurance:
1, cash value; 2. Paid insurance premium
2. Evergrande Life provides quality services for the centennial celebration.
The quality of the product itself is an important factor in our purchase decision, and the added service can add luster to the product.
In addition, coupled with a series of services provided by Evergrande Life Insurance, the popularity of this product in the industry has been directly improved.
Support services are as follows:
1) Worry-free medical care: you can choose millions of medical care, small medical care and accident medical insurance, and you can enjoy high-level medical security while providing advance payment services;
2) Green link service: 24-hour telephone doctor, online appointment and registration, online consultation and expert guidance, expert clinic+special person to accompany the doctor;
3) Video doctor: After becoming a customer of Evergrande Life Insurance and meeting certain standards, you can consult the video doctor at any time on the official account of WeChat;
4) Customize the insurance policy: You can customize the photos of yourself or your family on the insurance policy, and write a blessing, so that the insurance policy can protect your happiness;
5) Confirmation letter of Evergrande Health Valley: If you meet the corresponding premium requirements, you will definitely be able to stay in the National Evergrande Health Valley, which will make your pension more important.
However, the century-old Evergrande Life also has a defect, that is, the threshold for starting investment is high.
The initial investment amount of the Millennium Jubilee is 654.38+0 million yuan. Compared with some products that can be invested for several thousand yuan, the initial investment amount of Millennium Jubilee is a bit high compared with other products, and there is no doubt that the result will lead to an increase in the insurance threshold, which is unfriendly to people with limited budgets.
But the most serious shortcoming is this, so many people stop:
Is Evergrande's "anniversary" worth buying? Do you want to rush a wave! 》
In short, the advantages and disadvantages of Evergrande's two-year insurance are obvious. Senior sister suggested starting from her own actual situation and deciding whether to insure according to the specific performance of the product.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!